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Upcoming Events

Presidents' Day - HCUA Offices Closed

Monday, February 15, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Presidents' Day.

Webinar: Telephone Consumer Protection Act: What You Need to Know About the New Requirements

Tuesday, February 16, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

To the FCC, an autodialer includes equipment which has the
“capacity” to autodial numbers – even if the equipment isn’t used that way.

Webinar: Audit Compliance Series: Overseeing Credit Union Performance: The Role of Audit

Wednesday, February 17, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

It is impossible for the board of directors to fully understand the technicalities of interest-rate risk, loan quality, accounting, liquidity, compliance, technology, capital adequacy, etc. But, it is their responsibility to oversee these functions. This is the role of audit. The board or audit committee engages a third-party expert in the audit-specific area to report the strengths, weaknesses, and compliance with board-approved policies. This webinar will provide the tools and best practices to oversee performance and will benefit board members, the audit committee, executive officers, and internal auditors. (It will not cover the specifics of an audit, but rather oversight of the audit process.)

Compliance Conference Call

Wednesday, February 17, 2016
3:00pm - 3:30pm

Knowledge is calling, and it wants to talk Compliance! As a benefit of membership, the Heartland Credit Union Association (HCUA) is offering free monthly Compliance Update Conference Calls for member credit unions. The HCUA Compliance staff is expecting the calls to last 30 minutes and involve reviewing current compliance topics and deadlines.

Webinar: Determining Cash Flow from Personal Tax Returns Part 1: Schedules A, B, C & D

Thursday, February 18, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

When borrowers provide a personal tax return to verify their income, lenders need to understand how to determine cash flow from that return. Too many lenders find AGI and add back depreciation. Extracting cash flow from a personal tax return Form 1040 is so much more detailed than that. This session for consumer and commercial lenders will teach you how to read and understand a borrower’s tax return and convert taxable income into cash flow. You get paid back with cash flow, which rarely matches taxable income.

Heartland Credit Union Association GAC Briefing, Dinner & Legislative Meetings 2016

Sunday, February 21, 2016
8:00am - 5:00pm
MULTIPLE LOCATIONS
WASHINGTON DC

The Heartland Credit Union Association is hosting several events for Missouri and Kansas attendees during the Credit Union National Association's Governmental Affairs Conference in Washington, D.C. The GAC takes place February 21-25.

Webinar: Frontline Series: Teller Development: Managing Dual Control & Cash Limits

Tuesday, February 23, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Responsibility for the vault, teller cash limits, and dual control are among the most important responsibilities at a credit union. Auditors and examiners continuously cite financial institutions for lack of dual control or double custody. Regardless of how many staff members there are, the job must be done well and in compliance with regulations. Dual control, cash limits, and creating a solid documentation trail are essential to protecting your credit union, yourself, and fellow employees. This session will reinforce solid frontline security for cash, log records, and vault controls. No one wants to be the subject of an investigation for missing cash! Participants will receive examples of various logs and sample procedures.

Webinar: Construction to Permanent Lending Compliance with CFPB Rules: Including TRID Changes

Wednesday, February 24, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Construction-only and construction/permanent lending have unique features and have always been treated differently under the regulations. With the advent of the new TILA/RESPA Integrated Disclosures (TRID), the construction lending process becomes even more difficult. With the massive changes to Regulation Z and RESPA, what was somewhat complex has become very complex – more forms, more timing issues, more work, more expense. This webinar will address implementation issues regarding construction to permanent loans and construction-only loans, focusing on the impact to your institution’s construction loan product decisions and methods – and then the TRID paperwork. As the Regulation Z Dodd-Frank TRID regulations materially change the methods you must use to meet the disclosure requirements, the majority of the presentation will focus on those issues. As part of the presentation, suggestions will be offered regarding the entire construction loan process.

Webinar: Quarterly Supervisory Committee Series: Top 10 Ways to Improve Skills as a Supervisory Committee

Thursday, February 25, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

The increase in regulatory requirements not only impacts credit union management, it also impacts the governance function, including the Supervisory Committee. With growing credit union complexity and increased regulatory requirements, a top-notch Supervisory Committee is needed to help meet strategic objectives. Join us to learn best practices of high-performing Supervisory Committees.

Webinar: Creating a Consumer Lending Machine: Products, Concepts & Strategies

Wednesday, March 2, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Credit union loan growth was over 9% last year. Are you getting your fair share of member loans? Are you building relationships with members that include loans? “Credit” is part of being a credit union. It’s right in our name. Have we forgotten our focus?

Webinar: How to Complete & File UCC-1 Financing Statements

Thursday, March 3, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Filing a UCC-1 Financing Statement is the most common method used by financial institutions to perfect security interests in collateral. Completing the UCC-1 form and determining the appropriate filing office can be tricky. An improperly completed or filed UCC-1 will result in loss of your institution’s perfected security interest. This webinar will explain how to properly complete each section of the UCC-1 Financing Statement and where to file it for every type of consumer and commercial debtor situation.

2016 Missouri Advocacy Meeting

Monday, March 7, 2016
3:00pm - 12:30pm
422 MONROE ST
JEFFERSON CTY MO

Join credit union advocates from across the state for the Missouri Advocacy Meeting on March 7-8, 2016. The Heartland Credit Union Association (HCUA) event takes place at the DoubleTree Hotel, 422 Monroe Street in Jefferson City.

Webinar: Credit Reporting Guidelines, Rules & Best Practices: FCRA & FACT Act

Tuesday, March 8, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

This is all you need to know: credit reporting is the number one reason for complaints to the CFPB. When the CFPB gets complaints in an area, they start to focus on it as fruitful ground for more stringent regulations or examinations. The hard reality of today’s compliance world is that if the CFPB looks at it, the NCUA will not be far behind.

Webinar: Director Series: What Directors Should Know About CECL, ALLL & New Credit Impairment Standards

Wednesday, March 9, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

The final standard putting in place the rules for the Current Expected Credit Loss (CECL) model is expected to be issued by FASB in the early part of 2016. This represents a fundamental overhaul of the ALLL process and the recognition of credit impairment. The significant majority of CECL’s requirements are already known. Many directors may be familiar with the two most commonly discussed points: reserves are expected to go up under CECL and methodology requirements are expected to become more complex. Without diving too deep into the accounting minutiae, this webinar will explain why those outcomes are expected and what directors and management can do to make the CECL transition successful.

Webinar: Determining Cash Flow from Personal Tax Returns Part 2: Schedules E & F

Thursday, March 10, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

When borrowers provide a personal tax return to verify their income, lenders need to understand how to determine cash flow from that return. Too many lenders find AGI and add back depreciation. Extracting cash flow from a personal tax return Form 1040 is so much more detailed than that. This session for consumer and commercial lenders will teach you how to read and understand a borrower’s tax return and convert taxable income into cash flow. You get paid back with cash flow, which rarely matches taxable income.

Webinar: Audit Compliance Series: Auditing for TRID Compliance: Safe Harbor Expires February 1, 2016

Tuesday, March 15, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

The dust has settled on the compliance requirements for the TILA/RESPA loan estimate and closing disclosure. It's time to circle back to these TRID documents and closely examine mortgage loans by auditing sample documents to ensure the lending staff has it right and is ready for examiner scrutiny. This session will go step-by-step through auditing mortgage loans for accuracy and timeliness using the integrated disclosure. Now is the time to conduct a comprehensive audit of your disclosures because the safe harbor for enforcement actions and private civil actions expired February 1st!

Compliance Luncheon - Wichita

Wednesday, March 16, 2016
11:45am - 12:45pm
650 S WESTDALE DR
WICHITA KS

HCUA Compliance staff will host a lunch gathering for you to meet with, and quiz, your peers about current issues!

Webinar: Flood Insurance Compliance Update & FAQs

Wednesday, March 16, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Financial institutions play a vital role in ensuring the provisions of the National Flood Insurance Program are carried out. Examiners are inspecting flood compliance procedures with a microscope and are quick to issue penalties. There are many technical requirements and the penalties for noncompliance can be steep. This high-risk area deserves special attention and care.

Compliance Conference Call

Wednesday, March 16, 2016
3:00pm - 3:30pm

Knowledge is calling, and it wants to talk Compliance! As a benefit of membership, the Heartland Credit Union Association (HCUA) is offering free monthly Compliance Update Conference Calls for member credit unions. The HCUA Compliance staff is expecting the calls to last 30 minutes and involve reviewing current compliance topics and deadlines.

Webinar: Lending Series: The CFPB's Four Ds of Fair Lending: Deceptive Marketing, Debt Traps, Dead Ends & Discrimination

Tuesday, March 22, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

The CFPB continues to monitor complaints, issue enforcement actions, and discuss the four Ds: deceptive marketing, debt traps, dead ends, and discrimination. Is your institution at risk for any of these fair lending violations? Join this informative session to learn the latest lessons from enforcement actions and proposed regulation changes. Learn key strategies to implement and maintain an effective complaint program. Specific examples will be given for each of the four Ds to help you evaluate potential risks and a variety of tools and resources to proactively manage compliance expectations will be provided.

Webinar: Cyber Series: Outsourcing Tech Services: Regulations, Examiner Expectations & Actions for Vendor Management

Wednesday, March 23, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

The FFIEC details what your IT program must include, what it is required to mitigate, and what it expects to ensure ongoing vendor due diligence. No doubt outsourcing critical functions to third-party vendors delivers heightened operational risk and commensurate examiner scrutiny. The FFIEC’s “Outsourcing Technology Services” booklet provides guidance financial institutions should follow “to establish, manage, and monitor IT outsourcing relationships.” This webinar will provide an overview of governing regulations, examiner expectations, and best-practice vendor management sustained governance.

Webinar: Hot Topics in Social Media Strategies: Techniques & Trends for Credit Unions

Tuesday, March 29, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

With social media, the saying “the only constant is change” could not be more true. However, the challenges most community financial institutions face seem to be regulatory burdens and the day-to-day requirements of member service. It’s not unusual for social network changes, updates, and enhancements to get overlooked.

Webinar: Debt Collection Series: Your Member Has Filed Bankruptcy, Now What?

Wednesday, March 30, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Bankruptcy filings are becoming more complicated. This webinar will explain the actions that must be taken to protect your financial institution’s interests, and the actions that are prohibited. Although the webinar will focus on consumer bankruptcies, commercial bankruptcies will be covered, too. This program will address the more difficult situations such as when a cram down is permitted, when a reaffirmation agreement is required, what constitutes a fraudulent transfer or preference payment, and when a lien is effective against exempt property. Attending this webinar will provide the knowledge necessary to strengthen your institution’s position in Chapter 7, 11, and 13 bankruptcies.

Webinar: Developing Your Same-Day ACH Game Plan

Thursday, March 31, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Same-day ACH implementation is inevitable, and it’s the next step in making payments faster! Are you ready for this epic change? The 2016 ACH Rules have been published and this webinar will explain what they say about same-day ACH. RDFIs will be required to accept same-day ACH items starting September 23, so they must be prepared; and the demand for ODFIs to originate same-day ACH is right around the corner. Join us to take a look at same-day ACH implementation from your financial institution’s unique perspective. You will learn about the opportunities, risks, and considerations in preparing for an ACH environment that includes same-day ACH, as well as faster payments that are being proposed by industry groups. Both ODFIs and RDFIs will receive implementation checklists to facilitate an internal discussion on same-day ACH.

Webinar: New Federal Regulations Targeting Student Accounts, Including Debit & Prepaid Cards: Effective July 1, 2016

Tuesday, April 5, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Another regulator with new requirements for financial institutions? It’s true. The Department of Education finalized new regulations effective July 1, 2016, that restrict the fees that can be charged to certain student accounts that receive federal student aid. Importantly, the restrictions have the potential to reach beyond traditional student accounts and into debit, prepaid, and even student ID cards.

Webinar: Managing IRA Beneficiary Designations & Distributions

Wednesday, April 6, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

Managing IRA beneficiary designations and explaining allowable distribution options to IRA beneficiaries may be the most complex part of administering your IRA program. This session will provide thorough coverage of beneficiary designation rules and best practices, allowable distribution options, and processing procedures. Whether you are a new or experienced IRA professional, deal directly with accountholders, or have IRA operational or reporting responsibilities, this session will provide a solid understanding of IRA beneficiary rules and important considerations.

Webinar: Post EMV Card Liability Shift: Managing & Mitigating Card-Not-Present Fraud

Thursday, April 7, 2016
2:00pm - 3:30pm
2359 BITTERSWEET RD
LAKE OZARK MO

While credit unions continue “chipping” their cards
to minimize fraud liability at the point-of-sale (POS),
card-not-present (CNP) fraud online is exploding.
By 2018, CNP fraud will be 4X POS fraud. What should you do?

Webinar: Completing the SAR Line-by-Line

Tuesday, April 12, 2016
2:00pm - 3:30pm

Suspicious activity reports (SARs) are a critical component of many criminal investigations. Not only can they tie suspects to criminal proceeds, they are used for placing suspects in certain locations, identifying other previously unrelated parties, and filling in the gaps of a criminal enterprise. SARs have also been used to identify activity unknown to law enforcement (such as the case of a Boston-area Ponzi scheme). Therefore, the need to properly complete SARs is critical. This webinar will review the SAR line-by-line to provide a better understanding of entries in order to protect you and your institution from regulatory criticism.

Webinar: Your Depositor Has Died: Actions to Take, Mistakes to Avoid

Wednesday, April 13, 2016
2:00pm - 3:30pm

It could happen today – one of your depositors dies. What should you do? Many areas may be affected when a depositor dies. Issues may arise regarding accounts, safe deposit boxes, claims against the estate, payment of checks, and outstanding loans. Your institution needs to act appropriately and promptly to avoid liability. In addition, having the knowledge to handle these transactions during this stressful time for the deceased’s friends, family, beneficiaries, and business associates will enhance your professionalism and facilitate the estate settlement process. This webinar will thoroughly explain the proper steps your institution should follow when a depositor dies, including best practices used by other institutions.

Webinar: Fundamentals of Residential Mortgage Underwriting

Thursday, April 14, 2016
2:00pm - 3:30pm

Residential mortgage loans are a core product for nearly all credit unions and they represent one of the most important services provided to members. Whether residential mortgages are held in a credit union’s portfolio or sold on the secondary market, effective and accurate underwriting is critical to managing risk. This webinar will focus on residential mortgage underwriting fundamentals, including the credit application, calculating monthly income and obligations under different situations, reading and interpreting credit reports, collateral valuation (including appropriate appraisal review and appraisal management practices), and assessing whether the transaction fits your credit union’s risk appetite.

Webinar: Effective Management of Credit Report Disputes

Tuesday, April 19, 2016
2:00pm - 3:30pm

The credit reporting function has taken on added significance in recent years with increased member awareness of the credit score’s power, the rise of regulations and complaint tracking, and a highly motivated plaintiffs’ bar. Credit reporting continues to be one of the most-frequently cited consumer concerns and has therefore received added attention from the CFPB, examiners, and specially trained “consumer protection” attorneys. There is a perfect storm on the horizon and you need to be prepared! From policies and procedures to quality assurance and organizational charts, this essential function impacts every financial institution.

Webinar: Troubled Debt Restructuring: Determination & Accounting

Wednesday, April 20, 2016
2:00pm - 3:30pm

Following the recent financial crisis, troubled debt restructuring (TDR) has been a common area of concern for credit unions. The identification, classification, monitoring, and reporting of TDRs have been a compliance challenge, both from regulatory and accounting perspectives. While new TDRs have declined since the financial crisis, they remain a focus of safety and soundness examinations and financial statement audits. In addition, as collateral values have improved during the economic recovery, some credit unions may have estimated loan loss reserves on TDRs using an inappropriate methodology, potentially under-reserving these loans.

Webinar: Managing Absenteeism & Leaves of Absence

Thursday, April 21, 2016
2:00pm - 3:30pm

Managing absenteeism and employee leave can be confusing and time consuming. Managing absenteeism can also be frustrating, because there may be times when you are restricted from disciplining employees who appear to be abusing the policies. This webinar will sort out the dos and don’ts for developing and managing effective leave policies. Learn how to manage the landmines, sort through the valid and invalid employee excuses, minimize the confusion, and improve your processes.

Webinar: Regulator Expectations for Risk Assessment: Policies, Procedures & Steps in Obtaining Board Approval

Tuesday, April 26, 2016
2:00pm - 3:30pm

Risk management is a process. It begins with a strong policy to determine how the process is managed administratively. Next is a risk management program that guides the day-to-day risk mitigation. Then comes an enterprise-wide risk assessment accompanied by area-specific risk assessments. Finally, board approval is needed.

Webinar: Call Report Preparation: Avoiding Common Errors

Wednesday, April 27, 2016
2:00pm - 3:30pm

Think you have mastered the Call Report? As credit unions become more complex and sophisticated, so does the Call Report. The instructions are over 100 pages and NCUA can assess civil money penalties of up to $1 million per day when a credit union submits a false or misleading report and fails to correct it. Therefore, it is imperative that preparers and reviewers are knowledgeable and up-to-date on Call Report eccentricities. This program is designed to help you avoid common Call Report errors.

Webinar: ACH Rules Update 2016

Thursday, April 28, 2016
2:00pm - 3:30pm

Attend this important webinar for a comprehensive overview and understanding of upcoming ACH rule amendments. Are you prepared to process same-day ACH payments? What has NACHA done to improve the overall quality of ACH payments and how do these rules impact your institution? Join us to gain insight on 2016 amendments and get an overview of future NACHA initiatives, including Third-Party Sender Registration.

Bankruptcy & Collections Conference 2016 - Wichita

Wednesday, May 4, 2016
8:00am - 4:30pm
650 S WESTDALE DR
WICHITA KS

Developing and Maintaining an Effective Collections Department:

Bankruptcy & Collections Conference 2016 - St. Louis

Tuesday, May 17, 2016
8:00am - 4:30pm
2055 CRAIGSHIRE RD
SAINT LOUIS MO

Developing and Maintaining an Effective Collections Department:

Memorial Day - HCUA Offices Closed

Monday, May 30, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Memorial Day.

Lending School 2016 - St. Louis

Wednesday, June 8, 2016
8:00am - 4:30pm
11980 OLIVE BLVD
SAINT LOUIS MO

New for Lending Managers

HCUA Hike the Hill, Washington, DC

Tuesday, June 14, 2016
1:00pm - 5:00pm
MULTIPLE LOCATIONS
WASHINGTON DC

Heartland Credit Union Association (HCUA) is holding its first Hike the Hill of 2016, June 14 – 16.

Independence Day - HCUA Offices Closed

Monday, July 4, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Independence Day.

Labor Day - HCUA Offices Closed

Monday, September 5, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Labor Day.

IRA Essentials and Advanced Training 2016 - St. Louis

Wednesday, September 7, 2016
8:00am - 4:30pm
2055 CRAIGSHIRE RD
SAINT LOUIS MO

Individual Retirement Account Essentials

IRA Essentials and Advanced Training 2016 - Wichita

Wednesday, September 28, 2016
8:00am - 4:30pm
650 S WESTDALE DR
WICHITA KS

Individual Retirement Account Essentials

Columbus Day - HCUA Offices Closed

Monday, October 10, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Columbus Day.

Veterans Day - HCUA Offices Closed

Friday, November 11, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Veterans Day.

Thanksgiving Holiday - HCUA Offices Closed

Thursday, November 24, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of the Thanksgiving Holiday.

Christmas Day (Observed) - HCUA Offices Closed

Monday, December 26, 2016
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of Christmas Day.

New Year's Day (Observed) - HCUA Offices Closed

Monday, January 2, 2017
7:00am - 11:59pm

Heartland Credit Union Association offices closed in observance of New Year's Day.